Debt collection -- Attempts to collect debt not owed -- Complaint #19021294
Complaint Overview
Complaint ID: 19021294
Company: Law Offices Of Robert J. Colclough, III
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: California
ZIP Code: 95112
Date Received: 2026-01-26T12:00:00-05:00
Date Sent to Company: 2026-01-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute regarding inaccurate collection reporting by XXXX XXXX XXXX of CA ( Reference : XXXX XXXX XXXX XXXX Invoice XXXX ) 1. Incident Background and Initial Dispute Between XX/XX/XXXX and XX/XX/XXXX, I rented a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX ( Transaction processed via my XXXX XXXX XXXX ). Upon returning the vehicle on XX/XX/XXXX, the car was in the exact same condition as when I received itundamaged and without any incident. Months later, I received a shocking invoice ( XXXX ) for {$11000.00}, claiming " vehicle damage. '' Despite my immediate and repeated requests for evidence, neither the rental company nor the collection agency has provided a single photograph, police report, or third-party repair estimate that proves any damage occurred during my rental period. 2. Insurance Involvement and Over-reporting To resolve this in good faith, I involved my insurance carrier, XXXX ( Claim # XXXX XXXX XXXX ). XXXX processed the claim and paid the repair portion ( approx. {$7600.00} ). However, the collection agency, XXXX XXXX XXXX of CA ( XXXX ), continues to report a balance of {$12000.00} on my XXXX credit report ( Report # XXXX ). This reported amount is not only inaccurate but appears to include predatory " XXXX XXXX Fees '' ( {$2900.00} ) and inflated interest, failing to reflect the substantial payment already made by XXXX. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) regarding the accuracy of reported information. 3. Failure to Communicate and Lack of Resolution Path I have made multiple attempts via email and through my assistants to resolve this matter. Specifically : Lack of Proof : The collection agency has failed to provide " Debt Validation '' as required by the FDCPA. They have not proven the validity of the underlying damage. Obstruction of Credit Repair : I have asked XXXX multiple times for a clear path to resolve this and remove the derogatory mark from my credit report. They have been unresponsive or provided vague answers, leaving me in a position where I am being penalized for a " debt '' that is largely paid by insurance or consists of unverified administrative fees. 4. Desired Resolution I am requesting the CFPB 's assistance to : Compel XXXX XXXX XXXX of CA to provide actual evidence/photos of the alleged damage. Force the agency to update the balance to reflect XXXX 's payments accurately. Complete removal of this collection record from my credit reports ( XXXX, XXXX, and XXXX ), as the reporting is inaccurate, the fees are predatory, and the original claim of damage is unsubstantiated.
Frequently Asked Questions
What is Complaint #19021294 about?
Complaint #19021294 was filed against Law Offices Of Robert J. Colclough, III regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2026-01-26T12:00:00-05:00.
How did Law Offices Of Robert J. Colclough, III respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Law Offices Of Robert J. Colclough, III?
Yes, visit the Law Offices Of Robert J. Colclough, III company profile at readthecomplaint.com/company/law-offices-of-robert-j-colclough-iii to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.